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More companies now realize they need to consider the different aspects of what workers are struggling with in a holistic way in order to keep their businesses humming.

What companies spend on health insurance, retirement plans and other benefit programs all impact their bottom line. Yet until recently, those different benefits were viewed as existing on their own. In recent years, benefits consultants and retirement plan advisors have talked up the idea of convergence.

Companies only have a finite number of dollars to spend on benefits. Could they be spending them more efficiently if those decisions are made in coordination?



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